You didn't say if you were looking at the older 63/64 4 cylinder 4000's or 65/up 3 cylinder models, they are nothing alike.
A comparative 3 cylinder model to the older 4 cylinder 4000 would be a 3000 model but staying with that smaller size I'd much rather have a 4000SU with it's wet disc brakes and independent pto.
You can have a loader on any of them but none of them are great loader tractors due to the lighter sweep back axles they use
On a personal note I won't own a loader that isn't quick attach, if I'm not using the loader I don't want it on the tractor
5 ft equipment is a bit small for the 3 cylinder 4000 all purpose model
For tilling your garden the 8 spd trans on the 3 cylinder model is much better than the older 5 spd
I've owned my 3 cylinder model 4000 for over 30 years and my 4000SU for 17 years, LOVE these tractors, I also have some of the larger 65/up 4 cylinder models but they are bigger than you really need.
That said if starting over I'd go with the 4600 models for the paper air filter over the old oil bath unit and the slightly larger hydraulic pump with external filter
Also stick with a diesel on the 3 cylinder models, gas may be easier to start in cold weather but that's the only time it's better than the diesel model
There's other good brands to chose from as well but I grew up on Fords
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